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Home » Topics » Inside The GSEs » Policies & Programs

Policies & Programs
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Lenders Like Freddie’s Plan to Purchase Closed-End Seconds

May 3, 2024
Dennis Hollier
Although some non-agency players may see Freddie’s plan to purchase closed-end seconds as competition, many lenders see a way to create more liquidity in the sector.
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Criticism to Ending Tri-Merge Credit Process Mounts

May 3, 2024
Dennis Hollier
Will allowing lenders to omit one of the three credit scores from the underwriting process reduce costs for borrowers or ensure that some unqualified borrowers inadvertently get a loan they can’t afford?
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GSEs Standardize Appraisal Complaint Process

May 3, 2024
Dennis Hollier
FHFA and HUD have teamed up to initiate a formal request for reconsideration of value for borrowers and sellers who believe their appraised value is undocumented or biased.
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Freddie Doubles Down on Attorney Opinion Letters

May 3, 2024
Dennis Hollier
In an effort to reduce closing costs for low-income and first-time homebuyers, Freddie will now allow lenders to replace title insurance with attorney opinion letters in all but one state.
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Enterprises Clarify Definition of First-Generation Homebuyer

May 3, 2024
Dennis Hollier
Fannie Mae and Freddie Mac take a step toward addressing the racial and ethnic gap in intergenerational wealth.
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Final Rule Codifies GSEs’ Fair Lending Responsibilities

May 3, 2024
Dennis Hollier
A new rule from FHFA has enshrined fair lending requirements of the GSEs, including the treatment of their equitable housing finance plans.
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Strong Reactions to Freddie’s Plan for Second Mortgages

April 19, 2024
Dennis Hollier
A proposal from Freddie Mac to acquire second liens prompted immediate reactions. The GSE rebuts claims that its plan represents “mission creep” or that it would interfere with the existing securitization market for closed-end seconds.
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Thompson Spars With Republicans at Hearing

April 19, 2024
Dennis Hollier
Republicans on the Senate Banking Committee confronted FHFA Director Sandra Thompson about title insurance waivers and DPA “slush funds” at the GSEs.
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GSEs Clarify Treatment of Buyer’s Agent Commissions

April 19, 2024
Dennis Hollier
Fannie and Freddie find a way to deal with the NAR settlement without changing the rules.
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Freddie Data Highlights Climate Risk for Housing

April 19, 2024
Dennis Hollier
Climate change has people on the move, but they seem to be immigrating to exactly the wrong places.
Read More
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